Pension Planning

What Does Cisti Finance Track for Pensions?

The Pensions section lets you record your pension pots, track contributions, and project your expected fund value at retirement.

Adding a Pension

Go to Pensions in the menu.
Click Add Pension.
Enter the pension name, provider, current value, and start date.
Set your expected retirement age and assumed annual growth rate.
Click Save.

Recording Contributions

Each time you or your employer makes a contribution, record it on the pension's detail page. Contributions are tracked separately from investment growth, so you can see how much of your pension balance is from contributions versus returns.

Projections

Cisti Finance projects your pension fund value at retirement using:

Your current fund value.
Your monthly contribution (employee + employer).
Your assumed annual growth rate.
Years remaining until your target retirement age.

These are projections only, not guarantees. Actual returns will vary.

Tax Relief on Contributions

Pension contributions in Ireland qualify for income tax relief at your marginal rate (20% or 40%). The age-based limits apply to the percentage of net relevant earnings you can contribute and claim relief on. See Revenue.ie for current limits.

Tips

Update your pension value every year (or whenever you receive a statement) to keep projections accurate.
Even small increases in monthly contributions make a large difference due to compound growth over decades.
Maximise employer matching if available — it's effectively a pay rise.